Business, & agriculture finance

Bob Yuva Udyami

Business finance for entrepreneurs aged 18–29, including working capital and eligible costs to acquire, construct, expand, renovate or modernise an existing unit or shop.

Eligible customerApplicant aged 18 to 29 operating an Udyam-registered enterprise.CollateralCollateral-free loan backed by CGTMSE coverage.Processing fee and other chargesNil processing fee on loans up to ₹2 crore; concessional charges apply above ₹2 crore, with details available from a branch.

Official product page ↗Compare category

✓ Manually checked 26 Sept 2026 · active

Offered byBank of Baroda

India through Bank of Baroda's domestic branch network; individual products may have narrower eligibility or channel availability

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Eligible customerApplicant aged 18 to 29 operating an Udyam-registered enterprise.View source

The page sets applicant age at 18–29 years and requires Udyam-registered enterprises.

Source: Bob Yuva Udyami — Bank of Baroda
Page / section: Eligibility Criteria
Accessed: 26 Sept 2026
Confidence: high

Open official source ↗

Use of fundsBusiness-related activity, including working capital and acquisition, construction, expansion, renovation or modernisation of an existing unit or shop, or another purpose within the scheme scope.View source

The page lists working-capital needs and acquisition/construction/expansion/renovation/modernisation of existing units or shops, plus other purposes within scheme scope.

Source: Bob Yuva Udyami — Bank of Baroda
Page / section: Product overview
Accessed: 26 Sept 2026
Confidence: high

Open official source ↗

CollateralCollateral-free loan backed by CGTMSE coverage.View source

The page describes the loan as collateral free and backed by coverage; it gives no coverage amount.

Source: Bob Yuva Udyami — Bank of Baroda
Page / section: Benefits — Collateral-free loan
Accessed: 26 Sept 2026
Confidence: high

Open official source ↗

Repayment tenure84 to 120 months.View source

The page states repayment from 84 months to 120 months.

Source: Bob Yuva Udyami — Bank of Baroda
Page / section: Features — Repayment
Accessed: 26 Sept 2026
Confidence: high

Open official source ↗

MoratoriumUp to 18 months.View source

The page publishes a moratorium of up to 18 months.

Source: Bob Yuva Udyami — Bank of Baroda
Page / section: Features — Moratorium
Accessed: 26 Sept 2026
Confidence: high

Open official source ↗

Processing fee and other chargesNil processing fee on loans up to ₹2 crore; concessional charges apply above ₹2 crore, with details available from a branch.View source

The page says processing fees are nil up to ₹2 crore, with concessional charges above that threshold and branch contact for details. The linked forms index timed out; no amount for the concession was inferred.

Source: Bob Yuva Udyami — Bank of Baroda
Page / section: Fees & Charges
Accessed: 26 Sept 2026
Confidence: high

Open official source ↗

Common commercial-loan documentsCommon checklist: Duly filled loan application form. Identity proof for the proprietor, partner or director (for a company): Aadhaar Card, Voter’s ID Card, Passport, Driving License, PAN Card, or signature identification from the present banker. Residence proof for the proprietor, partner or director (for a company): Aadhaar Card, recent telephone or electricity bill, property-tax receipt, Passport, or Voter’s ID Card. Proof of business address. Company Memorandum and Articles of Association, partnership deed, or equivalent constitution documents. Assets-and-liabilities statement of promoters and guarantors, with latest income-tax returns. Additional documents depend on activity and facility: SSI/MSME registration or Udyog Aadhaar Memorandum, if applicable (as worded in BOB’s current FAQ). Projected balance sheets for the next two years for working-capital limits, or for the period of the loan for term loans. Balance sheets for the last three years. Copies of lease deeds/title deeds for all properties offered as primary or collateral security. For companies: certificate of incorporation from the Registrar of Companies, CIN and directors’ DIN details. Bank-account details where applicable, including outstanding amounts on existing loans/limits. GSTN, if applicable. Other licences and documents required by the business entity/activity (the FAQ gives manufacturing, trading, export-import, IT and service businesses as examples).View source

The current official lists common identity, residence, business-address, constitution and financial documents, then activity/facility-dependent records. It separately says further licences and documents depend on the business entity/activity.

Source: Loans and Advances — Bank of Baroda commercial-loan documents
Page / section: — “What documents need to be submitted for a Commercial Loan?” lines 686–703; Common Documents lines 688–694; Additional documents based on activity undertaken lines 695–703
Accessed: 27 Sept 2026
Confidence: high

Open official source ↗

Benefits and features

Collateral-free loan backed by coverage.
The Bank states that lower margin applies to term finance; the page does not give a percentage.

Eligibility

The applicant must be 18 to 29 years old.
The enterprise must be registered under Udyam.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

The product page directs applicants to the documents applicable to general borrowers.
common checklist includes a completed loan application; identity, residence and business-address proof; constitution documents; promoter/guarantor assets and liabilities with latest income-tax returns; and activity-dependent financial, security, banking and records. Additional activity and facility documents may apply.

Try the numbers

Private, instant and based on the values you enter.

Try your numbers

Loan repayment estimate

See what the loan could cost each month. Move any slider to try a different amount, rate or repayment time.

Amount you want to borrowThe money you would receive from the lender.₹twenty-five lakh rupees₹50,000₹2,00,00,000Yearly interest rateThe percentage charged on the outstanding loan each year.%2%30%Time to repayA longer time usually lowers the monthly payment but raises total interest. months6 months360 months

One monthly payment₹21,696twenty-one thousand six hundred ninety-six rupees

Interest paid over the full loan₹27,06,939twenty-seven lakh six thousand nine hundred thirty-nine rupees

Everything you repay₹52,06,939fifty-two lakh six thousand nine hundred thirty-nine rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

Section

Purpose · Published detailBusiness use including working capital and acquisition, construction, expansion, renovation or modernisation of existing units/shops, plus other purposes within scheme scope

This value is copied from Bob Yuva Udyami — terms published on the product page. Check the table notes before relying on it.

Source: Bob Yuva Udyami — Bank of Baroda · Purpose; Benefits; Features; Eligibility Criteria; Documents Required; Fees & Charges; Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 9 rows · 2 columnsBob Yuva Udyami — terms published on the product pageStructured transcription of the product page's purpose, benefits, eligibility, repayment, documentation and fee statements; it is not a separate source table.View tableHide table

Scroll sideways to view every column

Bob Yuva Udyami — terms published on the product page
Section	Published detail
Purpose	Business use including working capital and acquisition, construction, expansion, renovation or modernisation of existing units/shops, plus other purposes within scheme scope
Eligible applicant	Age 18–29; Udyam-registered enterprise
Collateral	Collateral-free loan backed by coverage
Term-finance margin	Lower margin is stated; no percentage appears on the page
Repayment	84–120 months
Moratorium	Up to 18 months
Processing fee	Nil on loans up to ₹2 crore
Charges above ₹2 crore	Concessional charges; contact branch for details
Documents	As applicable to general borrowers; page directs applicants to a branch for details

Bob Yuva Udyami — Bank of Baroda · Purpose; Benefits; Features; Eligibility Criteria; Documents Required; Fees & Charges; · accessed 26 Sept 2026Open official source ↗

Bob Yuva Udyami

What the official sources publish

Benefits and features

Eligibility

Documents the bank lists

Related official documents

Try the numbers

Loan repayment estimate

Find the exact published value

Complete rates, limits and schedules

Related products

Animal Husbandry Infrastructure Development fund (AHIDF)

Baroda Animal Husbandry and Fisheries Kisan Credit Card (BAHFKCC) Scheme

Baroda Arogyadham Loan

Baroda Artisans Credit Card